Last Updated: 07/28/2025
USAA Rewards™ Visa Signature® Credit Card
Claimed
Last Updated: 07/28/2025
SuperMoney User Recommendation Score +14
Mostly recommended14 total votes
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Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
14.90% - 30.90%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
14.90% - 30.90%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
650 - 850
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Annual Fee
$0
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Number of Reviews
USAA Rewards™ Visa Signature® Credit Card Review
This is a rewards card issued by USAA Federal Savings Bank. If you're wondering whether USAA Rewards™ Visa Signature® Credit Card is the right card for you, read on.
Key Takeaways
- Welcome offer. Offers a signup bonus of 2500 points that can be redeemed for travel, gifts, or other perks.
- APRs: USAA Rewards™ Visa Signature® Credit Card has a variable regular purchase APR that ranges from 14.90% up to 30.90%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. USAA Rewards™ Visa Signature® Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Gas rewards. on eligible fuel purchases.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, price protection, travel accident insurance, travel assistance, trip cancellation and interruption protection, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of USAA Rewards™ Visa Signature® Credit Card
| The Good | The Bad |
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USAA Rewards™ Visa Signature® Credit Card FAQ
Does USAA Rewards™ Visa Signature® Credit Card have a cash back or rewards program?
USAA Rewards™ Visa Signature® Credit Card is a rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gas | 2 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Restaurants | 2 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 x points | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does USAA Rewards™ Visa Signature® Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus. However, it does include a 2500 points signup bonus that can be redeemed for travel, gifts, or other perks.Does USAA Rewards™ Visa Signature® Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the USAA Rewards™ Visa Signature® Credit Card benefits?
USAA Rewards™ Visa Signature® Credit Card provides the following benefits:
- Free Credit Score
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Zero fraud liability
- Price Protection
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for USAA Rewards™ Visa Signature® Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.USAA Rewards™ Visa Signature® Credit Card has a variable purchase APR that ranges from 14.90% up to 30.90%. The card has a variable balance transfer APR that ranges from 14.90% up to 30.90%. It also has a variable cash advance APR that ranges from 14.90% up to 30.90%.
Does USAA Rewards™ Visa Signature® Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does USAA Rewards™ Visa Signature® Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for USAA Rewards™ Visa Signature® Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does USAA Rewards™ Visa Signature® Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for USAA Rewards™ Visa Signature® Credit Card?
The customer service number for USAA Rewards™ Visa Signature® Credit Card is (800) 531-8722.
What is the support contact email for USAA Rewards™ Visa Signature® Credit Card?
The support contact email for USAA Rewards™ Visa Signature® Credit Card is info@usaa.com.
How do people rate the customer service and user experience of USAA Rewards™ Visa Signature® Credit Card?
Overall, USAA Rewards™ Visa Signature® Credit Card is mostly recommended based on community reviews that rate customer service and user experience.
Does USAA Rewards™ Visa Signature® Credit Card report your account activity to credit bureaus?
Yes, USAA Rewards™ Visa Signature® Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does USAA Federal Savings Bank perform a hard credit pull?
Yes, USAA Rewards™ Visa Signature® Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for USAA Rewards™ Visa Signature® Credit Card
- Visit the website of USAA Rewards™ Visa Signature® Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
USAA Rewards™ Visa Signature® Credit Card Disclosure: Earn 2X points per dollar spent on gas and dining Earn one point for every dollar spent on all purchases Get 2,500 bonus points with your first purchase
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Other Credit Cards from USAA Federal Savings Bank
Rating not yet determined
Purchase APR
16.15% - 28.15%
Disclaimer popup with additional information
Balance Transfer APR
16.15% - 28.15%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
14.90% - 30.90%
Disclaimer popup with additional information
Balance Transfer APR
14.90% - 30.90%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
19.15% - 27.40%
Disclaimer popup with additional information
Balance Transfer APR
19.15% - 27.40%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$95
Rating not yet determined
Purchase APR
11.15% - 25.15%
Disclaimer popup with additional information
Balance Transfer APR
11.15% - 25.15%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$0
Purchase APR
16.90% - 30.90%
Disclaimer popup with additional information
Balance Transfer APR
16.90% - 30.90%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +14, or 3.3 on a 5-point rating scale.
+14
-1000+100
No one recommends
Everyone recommends
USAA Rewards™ Visa Signature® Credit Card Community Reviews
Would you recommend USAA Rewards™ Visa Signature® Credit Card to your friends?
MH
Michael H.
Nov 23, 2020
May or may not recommend
The USAA credit card offers a great low rate and USAA is extremely generous if you aren't able to make a payment and they are extremely vigilant with fraud control.
TT
Ted T.
Nov 6, 2020
May or may not recommend
I would recommend this card to anyone. The rates are great no service fees, plus with the USAA app you can check the balance of your card. The fraud alerts are nice added feature. If have a USAA bank account you can easily transfer money between the accounts. The representatives are helpful and pleasant. The wait times can be negligible depending upon when you call. Overall though the service is ...Show More
KH
Katherine H.
Oct 5, 2020
May or may not recommend
I have been a USAA member for fifteen plus years and have had a USAA credit card for nearly that same amount of time. The mobile banking app, in addition to the full website, make everything extremely simple to navigate. The customer service is top notch and their fraud protection department goes above and beyond! They truly value their members!
BA
Bobbie A.
Jun 21, 2020
May or may not recommend
I ordered a product from a company and was sent the wrong product. I sent the wrong product back and the company refused to refund me or send the correct product. I filed a claim with USAA with the explanation that I did not receive the correct product. USAA took a month to decide to deny my claim and paid the company that sent the wrong product. Now I have ...Show More
U
Anonymous
Jun 25, 2015
May or may not recommend
There might be no limit to the amount of cashback you can get, but what they don't tell you when you sign up--at least just in the small print--is that they don't give you your cashback until a year passes! That to me is so crazy. Who wants to wait that long for a reward
U
Anonymous
Jun 25, 2015
May or may not recommend
Pretty good card. You have to have excellent credit to get it, though, so keep that in mind. I was happy that there is no annual fee, and that I got approved for a great interest rate--11.9% I figured that is good considering that my last credit card had a much higher interest rate.
U
Anonymous
Jun 25, 2015
May or may not recommend
This is a pretty good card, although I'm not all that thrilled with the fact that the cash rewards for the card are not posted except for once a year. That's way too long to wait for your rewards--at least in my book. There is zero in terms of an annual fee, so that helps.
U
Anonymous
Jun 25, 2015
May or may not recommend
If you have good credit, this is a great card to have. Interest rates are good when your credit is good. I got a 10.9% APR and I was thrilled. You have to be active duty, in-training or retired military in order to get one of these cards or direct family.
U
Anonymous
May 1, 2015
May or may not recommend
Nice card, except for the 3% charge on balance transfers. I know that it's hard to get no charge on that, but 1% to me would seem more fair. Other than that I really like the card. The no annual fee is great, as is the nice rewards program. I use that to give my grandkids gift cards.
U
Anonymous
May 1, 2015
May or may not recommend
Pretty good card. The interest rate I got is a little high at 19.99%, but I'm hoping after paying on time and not using too much of my CL that USAA will lower my APR after a few months. I really like the rewards program attached to the card.
U
Anonymous
May 1, 2015
May or may not recommend
My New Year's resolution was to find a card that had a good APR, good rewards program and no annual fee. I found it with the USAA Rewards Visa. I have redeemed my points several times, and I've only had the card a few months. You get a bonus 2,500 points for signing up, too.
U
Anonymous
May 1, 2015
May or may not recommend
My go to card, for sure! I love the fact that I can redeem my points for cash even on my cellphone. I'm doing more and more by cellphone these days, so that is nice, and easy! I like my APR, as well, but I haven't used it because I've been paying the card off each month.
U
Anonymous
May 1, 2015
May or may not recommend
I can't believe I hadn't heard about this card before. It seems to be a little known gem. You do have to be in the military or family member of military to get into USAA, but once you are in, you can take advantage of great perks like this nice little card. There is a rewards program attached to the card that allows you to redeem points for cash, travel, ...Show More
U
Anonymous
May 1, 2015
May or may not recommend
I like this card. It has several perks worth considering. For one, you get 2500 bonus points when you sign up. You also earn points without any limits on that and there are no expirations (I hate cards that have expirations on points!). I also got a nice APR of 11.9.
Showing 14 of 14 reviews
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